10 Best Banks in North Dakota for 2026

New customers can also earn a welcome bonus of $50 to $300, depending on their initial deposit.

There are no monthly fees or minimum balance requirements, and you’ll get perks like early direct deposit, which can get your paycheck up to two days early.

SoFi provides up to $2 million in FDIC insurance and up to $50 in fee-free overdraft coverage for those with qualifying direct deposits.

You’ll also have access to over 55,000 Allpoint® ATMs, making it easy to withdraw cash whenever you need it.

A standout feature is its generous ATM fee policy—Gate City Bank refunds all third-party ATM fees, no matter where you are in the world.

That kind of flexibility can make a big difference if you travel or use out-of-network ATMs.

The bank’s Totally FREE Checking account is a simple, no-fuss option that requires just a $50 opening deposit.

There are no monthly maintenance fees and no minimum balance requirements, making it ideal for everyday use.

Although savings account rates are on the lower side, Gate City Bank offers more competitive returns through its CDs and money market accounts.

It also provides a range of loan products, including home and auto loans, plus free custom debit cards to personalize your account.

With no monthly fees, up to $200 in fee-free overdraft protection, and early access to direct deposits, Current offers a smooth and flexible approach to everyday banking.

Its standout feature is Savings Pods, which let you organize your goals while earning up to 4.00% APY on balances up to $6,000.

What really sets Current apart is its ability to help you build credit using your debit card—no credit check or traditional credit card required.

Combined with cashback rewards, access to 40,000+ fee-free ATMs, and secure virtual cards, Current is a strong option for North Dakotans who want control and convenience without the usual banking headaches.

The bank is known for its customer-first approach and generous ATM policy—you can use any ATM nationwide, and Bell Bank will refund the first four third-party ATM fees you incur each month.

Checking accounts come with no monthly maintenance fees, no minimum deposit to open, and no balance requirements, making it easy to manage your money without extra costs.

Bell Bank also includes free identity theft recovery insurance and offers the ChangeSaver™ program, which rounds up debit card purchases and moves the spare change into your savings.

For savers, Bell Bank provides competitive rates on money market accounts and CDs, with promotional offers available for both short- and long-term savings.

The bank also offers wealth management services and competitive rates on auto and personal loans, giving you access to a wide range of financial tools all in one place.

Its local roots and broad in-state access make it a dependable choice for residents who want both convenience and solid service.

The bank offers several checking options. The Essential and Rewards accounts each require a $100 opening deposit, while the Advantage account is designed for larger balances. Monthly fees range from modest to mid-tier depending on the account you choose.

All checking accounts come with online and mobile banking, debit card access, bill pay, and eStatements. You won’t have to maintain a set balance unless you opt into one of the higher-tier accounts.

First International Bank & Trust also provides savings accounts and CDs with competitive terms. It’s a well-rounded option for customers looking for a North Dakota bank with flexible account choices and modern digital tools.

They offer an array of loan options that aren’t just limited to home and personal loans; they also provide specialized loans for things like boats, RVs, and even snowmobiles.

The bank stands out for its small business services, offering various loans and multiple business checking account options to meet the needs of local business owners.

There are no monthly service fees, and you also don’t have to worry about maintaining a minimum balance, making it straightforward to manage your accounts. A noteworthy perk is their $1,000 bonus for new homeowners who decide to refinance their mortgage within two years of the initial loan.

Once you qualify for membership, you have access to a range of financial products, including three different fee-free checking accounts.

Two of these accounts come with rewards for your purchases, while the third allows you to earn interest on your balance.

One of the standout features is their extensive ATM coverage. Not only can you use First Community Credit Union ATMs for free, but you also have fee-free access to 32,000+ MoneyPass locations, 30,000+ CO-OP machines, and 6,700+ NYCE Network ATMs nationwide.

When it comes to savings, FCCU offers highly competitive rates on CDs. They also have attractive loan rates and various offerings tailored for small business owners.

Even though it’s a locally focused bank, you’re not limited to its branch network when you need cash.

Customers can use MoneyPass ATMs nationwide without paying extra fees, which adds flexibility if you travel or live outside larger cities.

Its primary checking option is straightforward, with no monthly fees and no minimum balance requirements.

Choice Bank also offers competitive CD rates if you’re looking to grow your savings over time. Savings account rates vary, but the higher-yield CDs often stand out.

Small business owners and agricultural customers will appreciate the bank’s strong business banking tools, including lending options and ag-focused services.

Add in a full-featured mobile banking app and dependable customer support, and Choice Bank is a solid pick for anyone who wants a community bank with statewide reach and user-friendly checking.

With branch locations and ATMs across 37 states, including multiple locations in North Dakota, you’re rarely far from a Wells Fargo facility.

They currently have a special promotion where you can earn a $300 bonus. To qualify, you just need to open a new account with an initial deposit of $25 and make at least $1,000 in direct deposits within the first 90 days.

One of their most popular checking options is the Everyday Checking account. Although it comes with a $10 monthly maintenance fee, it’s fairly easy to get this fee waived.

You can do so by maintaining a $500 daily balance, receiving $500 or more in electronic deposits, being between the ages of 17 and 24, or linking your account to a Wells Fargo Campus card.

Wells Fargo offers competitive returns on both savings accounts and CDs. Additionally, the bank provides a variety of credit cards that feature rewards and bonuses.

With branches located across North Dakota, particularly in the Bismarck area, as well as Minnesota and Arizona, customers have convenient access to the bank.

Opening a checking account is relatively simple, requiring just a $50 deposit. There are no monthly fees or minimum balance requirements.

ATM access is also versatile. You can withdraw cash without fees at BNC Bank, MoneyPass, and even Pulse ATMs. This extensive network ensures you’ll likely find a convenient ATM wherever you are.

Additional perks include free checking for individuals aged 50 and over, which could be beneficial for those in that age bracket. Small business owners aren’t left out, either; the bank offers various business loans to suit different needs.